RothIRACalc: Roth IRA Calc

TipTinker

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About this app

This Roth IRA calculator projects your tax-free retirement balance from your age, current savings, contribution plan, expected return, and inflation.

• Enter contributions as a yearly or monthly amount
• Raise contributions a little each year to model pay rises
• See your projected balance and its value in today's dollars
• Split the result into total contributions and tax-free growth
• Follow your growth year by year in a chart and a detailed table
• Check your allowed contribution for 2025 or 2026 from your income, filing status, and age 50 catch-up
• Cap future contributions at the IRS limit, rising with inflation
• Compare Roth and Traditional IRA results after tax at the same take-home cost
• Set your own withdrawal rate to estimate yearly and monthly retirement income
• See which contributions you can withdraw at any time, plus the 5-year and age 59½ rules for earnings
• Start fast with presets such as Early Starter, Monthly Saver, and Coast Mode
• Save scenarios with notes and compare different savings paths

Limits and income ranges come from IRS publications. Estimates only, not tax advice.

Official sources:
• IRS Publication 590-A, Contributions to IRAs: https://www.irs.gov/publications/p590a
• IRS Notice 2025-67, 2026 cost-of-living adjustments: https://www.irs.gov/pub/irs-drop/n-25-67.pdf
Not affiliated with or endorsed by any government agency.

What’s new

Performance improvements and bug fixes